Pine Grove at a glance
- Population: 344 residents, the 173rd-largest of 230 places in West Virginia (US Census Bureau, Vintage 2023).
- 2020 Census base: 362 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 5.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among West Virginia places: 173rd by size among 230 communities (US Census Bureau).
- Size percentile: roughly 25% of West Virginia's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.5635, -80.6848.
- Nearest larger cities within 120 miles: New Martinsville, WV (11 mi); Middlebourne, WV (13 mi); Paden City, WV (14 mi); Sistersville, WV (17 mi); Mannington, WV (18 mi) (US Census Bureau).
- Nearest smaller communities: Smithfield, WV (8 mi); Hundred, WV (15 mi); Clarington, OH (18 mi) (Census populations).
What a personal loan costs in Pine Grove
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
West Virginia lending rules that apply in Pine Grove
The West Virginia rate caps and licensing rules that reach Pine Grove are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | West Virginia Division of Financial Institutions (WV DFI) Source says: The West Virginia Division of Financial Institutions is charged with the regulation and supervision of financial institutions chartered by the State of West Virginia. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 31% per year on unsecured loans of $3,500 or less; 27% on $3,500–$15,000; 18% above $15,000 (W. Va. Code § 46A-4-107) Source says: the loan finance charge, calculated according to the actuarial method, may not exceed 31 percent per year | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
| Payday lending status | Traditional payday lending is generally prohibited; check cashers are regulated under W. Va. Code ch. 32A Source says: Traditional "Payday Lenders" are generally prohibited within this state. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated consumer lender license required from the Commissioner (W. Va. Code § 46A-4-101) Source says: Unless a person has first obtained a license from the commissioner authorizing the person to make regulated consumer loans | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
How to compare offers in Pine Grove
A few practical steps will make the process in Pine Grove less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in West Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.